Teenage Car Insurance Articles

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How To Save On Your Auto Insurance

By Tom McKnight

Let your fingers do the walkingÖ Remember that Yellow Pages Ad Campaign? Excellent advice if youíre shopping for auto insurance. Shop around and do it yearly. Donít just keep paying the invoice over and over without comparison shopping. Below are a few suggestions to help you get the best deal available on your automobile insurance policy.

Insurance agents really have a lot of leeway. They can price match and they can offer many discounts. There are also many decisions you can make about your policy that will save you a bundle. For example, if you change your deductible on your collision from a $50 deductible to a $1000 deductible, youíre inline for a huge premium savings. If you donít think you could come up with $1000 out of pocket, then change it to a $500 deductible; youíll still save a sizable amount on your annual premium payment.

You can also get more of a savings if you change your comprehensive deductible. Many people needlessly carry full coverage on their older vehicle. They originally purchased the vehicle new, paid for full coverage and to this day, continue to pay the same high rate. Their ten year old vehicle may be worth $1000 or less, yet they continue to pay $250-$450 every six months (total $500 to $900 dollars a year) to keep full coverage on their old vehicle.

However, if they have an accident and totaled their vehicle, the insurance company will only pay them the wholesale value of the vehicle. The amount they would receive could be $1000 or less. A vehicle that old just needs the insurance that protects the other person in case of an accident.

Another method to save more on your insurance is by combining your vehicles and other insurance together to get you additional savings. All insurance companies offer a multi-car discount (if yours doesnít, itís time to switch companies). Further, many will discount more if you have your homeowners or renters policy with them.

There are a few other discounts that you may not be taking advantage of. It seems obvious, but make sure you are getting the correct rate for your age. There are discounts for various ages than can save you lots of money. Check with your agent on this one. Also alarm systems on your vehicle are usually good for a discount. Additionally, anti-lock brakes and air bags can also help lower your premiums.

Donít just keep paying the invoice when it comes in. Your insurance bill should be an automatic trigger for you to make a few phone calls to see if you can save even more money on your auto insurance premiums.

'Teenage idiot' left pals in wrecked car after Milton crash
JOYRIDER Jordan Dawson stole his brother's car then lost control and smashed through a fence ? leaving the vehicle on its roof. The teenager then fled the scene ? having caused nearly £2,000 of damage ? leaving his two passengers to clamber out of the wreckage themselves. Stoke-on-Trent Crown Court heard Dawson, of Bagnall Road, Milton, had arrived at the home he shared with his older brother ...

8th Sep 2001, 17:33
Yeah! I just bought mine (KH non turbo). I just think the comfort level should be 6 or 7 out of 10 however, can't complaint cos it's a sports car and. It's fast alright but mine needs a few mods.

Should You Spy On Your Teen Driver?
Centers for Disease Control and Prevention, motor vehicle crashes are the leading cause of death for teens in the United States. Based on miles driven, teen drivers are three times as likely to be in fatal crashes as drivers age 20 and older.